How To Break The Debt Cycle Once And For All

WOULDN’T IT BE NICE TO  WORRY LESS ABOUT MONEY?   Yesterday we make a trip to the Dollar Store to pick up some bits for an educational project I’m working on for our son. Outside on a bench sat a homeless man in his 30’s, scruffy looking but alert. He looked up at my wife as we walked by and asked if she had any spare change. She did and she smiled and without passing judgement or any hesitation handed him two Toonies. He smiled, thanked her and we went on our way. You obviously can’t do that for everyone but once in a while if you’ve got some spare change it may make a difference. Just behind us was another lady who he only looked up at when she was walking in. Her response, “No, get a job a$$hole and stop being lazy” and Mrs. CBB nearly hit the floor. She turned around and just stared into the woman’s eyes and walked away as you can’t fix stupid. The entire time we walked around the shop Mrs. CBB was thinking about him and decided to buy him a bag of chips and a bottle of pop. When we went […]

Should Couples Be Financially Stable Before Pregnancy?

PARENTING WHEN YOU’RE OLDER DOESN’T MAKE IT ANY EASIER THAN IF YOU’RE YOUNGER.   Yes, I’m a 40 year-old dad with a 3-year-old toddler, a career I love, zero debt, mortgage free and ability to offer experiences to our son that I didn’t have. This wasn’t the way I had envisioned parent-hood to be but it was the way it turned out for us and we’re surviving just fine. Being financially stable has nothing to do with getting pregnant and everything to do with surviving and never giving up. There are couples out there reading this who are struggling or struggled in the past to get pregnant after many miscarriages and NO results on a pregnancy test. There are also couples who have different parenting styles which may or may not make them “cool parents” but that’s not what parenting is about. There’s more to sharing your heart than all the money in the world. Related: Do Dollar Store Pregnancy Tests Work? Whether you are working or not becoming parents means that you must provide for your child in any way you can. Often this may lead parents to seek support from family, friends and the government system when available. […]

grocery game monthly challenge

11 Ways to Feed Your Family When You Have Little to No Money : The Grocery Game Challenge #3 Aug 17-23, 2015

I’LL NEVER LET MY FAMILY GO HUNGRY BECAUSE I LOVE THEM   We hear it more on the news these days about parents who have no money and feel that shoplifting is their last resort to put food in the stomachs of their children. It shouldn’t be this way. There is so much food on this planet that no one should ever have to starve, but they do. A CBB fan emailed me looking for tips about how she can feed her family of 4 during the months she has no money and the cupboards are bare. She is a single mom who relies on social assistance for money every month but that money is met with bills and earlier credit card debt she is still trying to pay off. Her comment about not letting her kids starve because she is poor pushed me to talk about this topic because it’s real. It’s heartbreaking to see children go without food for days or parents who give up eating for their children. They get shunned for not having a decent paying job (what is decent these days?), an education or for having habits that cost big dollars. Let’s not forget parents […]

Should a landlord and tenant have basic rental responsibilities? PF Weekly Grab a brew #61

RENTING IS A TOUGH BUSINESS   Being a landlord has its ups and downs depending on the space you own and the tenants you rent to. The same could be said for a tenant and the landlord who rents them a place to live. As a landlord you have lots of responsibilities and one of them is listening to what your tenants have to say as long as the requests are reasonable. I don’t know if the Landlord Tenant Act is the same all around Canada but what I do know is there should be some standardization when it comes to maintaining a property. You don’t have to jump at every single complaint but you must or at least should adhere to complaints that are of important nature. It also takes time to get the right people in to get the job done so having reasonable expectations as a tenant is also important. Wanting the paint color changed in your kitchen is not an emergency as a tenant but if your toilet is not working that is a different story.   Money in my pocket   Sure, renting is a lucrative business and if you can score a rental building, […]

Reader question: Budgeting tips for low-income families

Budgets Do Not Discriminate This low-income budget question that was sent in by a reader caught my attention as it’s not the first time I’ve been asked for tips on such an important topic for Canadians. Many people are in the same position as this reader so I hope I can shed a bit of light on the topic of budgeting and low-income families for those that are reading today. This is one of those touchy topics so please bear with me as I realize many people are struggling through tough times. Debt is debt, money is money, a budget is a budget. I know all of you have unique situations just like we do. I don’t claim to be a budget hero, just a guy who wants to listen and share what we do with our budget. Nothing is easy, we fail, we get right back up again. Dear Mr. CBB, I’ve read your blog for a while now as I was searching for some family budget information and a sample family budget so I can start to budget for our family. We come from a low-income Canadian family which we feel is at the poverty level in Ontario. […]

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